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Five tips to help you start new hobbies in retirement

<p><em><a href="https://theconversation.com/profiles/alison-bishop-1522973">Alison Bishop</a>, <a href="https://theconversation.com/institutions/university-of-east-london-924">University of East London</a></em></p> <p>Retirement can be an exciting but also scary prospect for many. How you fill your time is totally up to you, but with so many choices it can be a bit daunting. But it’s important to make sure you keep active, physically and mentally.</p> <p>Hobbies can <a href="https://www.careuk.com/help-advice/why-are-long-lost-hobbies-important-for-older-people">increase wellbeing</a> by boosting brain function, enhancing social skills and improving fine motor skills. <a href="https://www.researchgate.net/publication/366160647_Psychological_benefits_of_hobby_engagement_in_older_age_a_longitudinal_cross-country_analysis_of_93263_older_adults_in_16_countries">A study carried out in 2022</a> found that spending time on hobbies was associated with lower symptoms of depression and a perceived increase in a person’s sense of health, happiness and overall life satisfaction.</p> <p>However, many older people don’t take up hobbies for all sorts of reasons. This might include fears that they are not as good at something in their older age as they were when they were younger. This fear of trying new things can lead to increased feelings of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4338142/">loneliness and isolation</a>.</p> <p>Here are five tips using <a href="https://ppc.sas.upenn.edu/sites/default/files/ppintroarticle.pdf">positive psychology</a> that could help you or someone in your life if they are scared or nervous about picking up a hobby.</p> <h2>1. Broaden your strengths</h2> <p>Our idea of what we are good at is formed at a very young age and often reflects subjects that we were good at in our school days. Positive psychology’s “<a href="https://www.viacharacter.org/character-strengths-and-virtues">theory of strengths</a>” encourages us to think more broadly about what constitutes a strength. For instance, it considers curiosity, kindness and bravery as strengths. When applied to choosing a hobby, it means that if you believe one of your strengths is kindness, you could consider working in outreach or charity as a hobby or spending time speaking with people who are housebound.</p> <h2>2. Find activities you already enjoy</h2> <p>The “<a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1693418/pdf/15347528.pdf?inf_contact_key=9944754ba1372fa9ce5ee1421d8427bc">broaden and build theory”</a> suggests that when we feel positive emotions such joy or love, we are more likely to engage in new activities, thoughts and behaviours. It follows then, that if you look at times in your life when you experience these emotions this could help you start a new hobby. So, if you enjoy walking in the countryside, then the theory suggests that those feelings would enable you to join a rambling club.</p> <h2>3. Remember moments you’ve lost track of time</h2> <p>Another way to identify an activity that would be good to do is by using “<a href="https://www.medicalnewstoday.com/articles/flow-state#what-it-is">flow theory”</a>. This suggests that when we are doing something that we become completely absorbed in, that our brainwave patterns change and we can lose track of time. For this to happen, we need an activity that is meaningful to us to complete, with just the right amount of challenge so that it is not too easy or too hard.</p> <p>An exercise that reveals your personal flow template involves looking back on your life to find as many times as possible when you’ve been doing something and completely lost track of time. Write these down and see if these moments have anything in common. For example, are they all creative activities or all outdoors and physical? This will reveal something about yourself and the type of activity that is aligned with who you are, and could suggest new hobbies.</p> <h2>4. Be kind to yourself</h2> <p>“<a href="https://self-compassion.org/">Self-compassion theory</a>” teaches us the importance of being as kind to ourselves as we would be to a friend. When we are thinking about what we are good at, we can be unkind to ourselves by comparing ourselves unfavourably to others or to an imagined high standard.</p> <p>Self-compassion theory states that our imperfections make us human, and it is our shared knowledge of this that connects us to others. Where a goal in an activity is kindness with ourselves and those doing the activity with us rather than performance, we can access a new more meaningful reason to take part in something.</p> <h2>5. Imagine your perfect day</h2> <p>The last tip from positive psychology involves creating <a href="https://www.thepositivepsychologypeople.com/reflections-on-a-beautiful-day/">a story of the perfect average day</a> and then planning to actually live it. How do your hobbies fit into this? How does this day tap into your broadened idea of your strengths? How does it include kindness to yourself and others?</p> <p>It also helps to identify goals either for retirement more generally or for participating in a hobby. By picturing the perfect average day you can create more meaning and purpose in life by seeing how all the parts of your life fit together. It also reveals short term goals for example, if you plan to go to an art club but can’t get there, then a goal could be asking for a lift from another club member. When these pieces are in place, hope is ignited, and a vision created of how life can go forward so that you really can live your best retired life.</p> <p><em><a href="https://theconversation.com/profiles/alison-bishop-1522973">Alison Bishop</a>, Lecturer in Positive Psychology Coaching, <a href="https://theconversation.com/institutions/university-of-east-london-924">University of East London</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-to-help-you-start-new-hobbies-in-retirement-226764">original article</a>.</em></p>

Retirement Life

Teen actress' parents share update after five-storey fall

<p>Mamie Laverock's parents have shared a promising update with fans, after she was left fighting for her life following a five-storey <a href="https://www.oversixty.com.au/health/caring/teen-actress-on-life-support-after-devastating-mishap" target="_blank" rel="noopener">fall</a>. </p> <p>Her parents Nicole and Rob updated their GoFundMe page for the 19-year-old and said that she was “out of her big surgeries," and confirmed that doctors say she's “doing well.”</p> <p>"Mamie is out of her extensive surgeries and the doctors say she is doing well," they wrote.</p> <p>“It’s impossible for us to be happier,” her parents continued.</p> <p>“Thank you all for your support.”</p> <p>On May 11, Laverock experienced a “medical emergency” and was hospitalised in Winnipeg, Canada before being transferred to another hospital in Vancouver. </p> <p>At the time her parents said her recovery was “unclear", but she was “showing signs of improvement.” </p> <p>More than two weeks later, they shared a harrowing update on their daughter's condition informing fans that she was now on life support after she fell five stories from a balcony walkway while being escorted out of a secure unit in the hospital. </p> <p>Many of her <em>When Calls the Heart </em>co-stars took to social media to promote the crowd-funding page and express their heartbreak. </p> <p>“I love this family, my heart is broken. A devastating time for all who care for Mamie. Please help if you can. They need all the support they can get to make it through this," Laverock’s on-screen mother Molly Sullivan wrote on X. </p> <p>"I just donated. If you have the means to do so, I hope you will too. Link in bio,” wrote the show's leading actress Erin Krakow. </p> <p>The fundraiser has now exceeded the $30,000 CAD target, raising almost $33,000 CAD. </p> <p><em>Image: GoFundMe</em></p> <p> </p>

Caring

"Fly high, Bette!": World's longest-serving flight attendant dies aged 88

<p>Bette Nash, the world's longest-serving flight attendant has passed away aged 88, after a short battle with breast cancer. </p> <p>American Airlines, where Nash devoted almost seven decades of her life, announced her death on social media on Saturday. </p> <p>"We mourn the passing of Bette Nash, who spent nearly seven decades warmly caring for our customers in the air," they began their post. </p> <p>“Bette was a legend at American and throughout the industry, inspiring generations of flight attendants. </p> <p>“Fly high, Bette. We’ll miss you.”</p> <p>A spokesperson for the airlines confirmed that she was still an active employee at the time of her death. </p> <p>Nash, who was born on December 31, 1935, began her flight-attendant career with Eastern Airlines in 1957, at just 21-years-old. </p> <p>In January 2022, she was officially recognised as the world’s longest-serving flight attendant by Guinness World Records, after surpassing the previous record a year earlier. She continued to hold the title until her passing. </p> <p>Tributes have poured in from people all over the world on social media, with many praising her for her unwavering dedication and kindness. </p> <p>"Fly high Bette! It was a pleasure being your passenger," wrote one person on X, alongside a selfie he took with her. </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Fly high Bette! It was a pleasure being your passenger. <a href="https://t.co/9N63YPB5Ia">pic.twitter.com/9N63YPB5Ia</a></p> <p>— Jon Kruse (@JonKruseYacht) <a href="https://twitter.com/JonKruseYacht/status/1794459429997273423?ref_src=twsrc%5Etfw">May 25, 2024</a></p></blockquote> <p>"She was flying as a passenger when she sat next to me, pinned her jacket to the bulkhead, gave me a three minute story of her life then said 'So what's your story?'. She was a dynamo. Rest easy," another added. </p> <p>"She was an absolute delight in my earliest airline life working the USAir shuttle at LGA. Godspeed and eternal silvered wings Bette!" a third wrote. </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">She was an absolute delight in my earliest airline life working the USAir shuttle at LGA. Godspeed and eternal silvered wings Bette!</p> <p>— Ryan Spellman (@JustJettingThru) <a href="https://twitter.com/JustJettingThru/status/1794480142766531034?ref_src=twsrc%5Etfw">May 25, 2024</a></p></blockquote> <p>"Rest in Peace Bette Nash," wrote a fourth. </p> <p>"Bette was a class act. Truly a loss for the skies. She was truly an Angel," added another. </p> <p><em>Image: CBS/ X</em></p>

Caring

Christchurch attack victims' families reflect on tragedy five years on

<p>It's been five years since 51 men, women and children, were murdered in a terror attack when a white supremacist opened fire at Al Noor and Linwood mosques in Christchurch, New Zealand.</p> <p>Now, the victims' families have reflected on the tragic day, and commemorated their loved ones on the five-year anniversary of the attacks.</p> <p>Dr Maysoon Salama, who lost her son Atta Elayyan, 33, relives the grief of losing her son every day.</p> <p>“The pain is still fresh,” she told <em>7NEWS</em>.</p> <p>Five years on, the good memories she shared with her son still play back in her mind.</p> <p>“Atta was an amazing son,” she said. “He’s touched the lives of so many people.”</p> <p>Despite the tragedy, Dr Salama remains strong and finds herself healing through her granddaughter Aya.</p> <p>“I feel like I see her father when I see her,” she said.</p> <p>“It’s a really hard journey ... but she has always been my focus.”</p> <p>Aya was two when she lost her father, and Dr Salama was faced with the heartbreaking task of helping her granddaughter adjust to a life without her father.</p> <p>“When I look her in the eyes and she will ask, ‘Where is my dad?’, what am I going to tell her?” she recalled thinking.</p> <p>“How are we going to tell her when she’s so attached to her daddy? She loved him so much.”</p> <p>Dr Salama's husband, Mohammad Alayan, was among the dozens of people hospitalised following the attack, with doctors at the time saying he was “lucky to survive”.</p> <p>“He had been shot twice. One in his head and it affected his vision and one in his shoulder and she said it was just a few millimetres away from his heart,” Maysoon said.</p> <p>The couple run a Muslim childcare centre An-Nur, and have worked together to help children navigate New Zealand's darkest days.</p> <p>She recalled the sinking feeling when she first heard of the attacks while at work, and how her husband's first instinct was to tell her to protect herself and everyone at the childcare centre.</p> <p>“I got a call from my husband and he told me he was in hospital and that I have a big responsibility to protect the children and the teachers and lock down, close the doors because he was afraid the shooter would also come to our place because we are a Muslim childcare centre,” she said.</p> <p>“More families who were distressed started coming to pick up their children, and some of them even had blood on their shirts, some of them witnessed the thing.</p> <p>“It was really an awful situation.”</p> <p>Not long after, she learned that her own son had also been injured, but at the time had no idea of the reality of it all.</p> <p>Aya Al-Umari lost her brother, Hussein, on the fateful day.</p> <p>“It happened so suddenly, I had no time to grieve,” she said.</p> <p>Hussein spent the last moments of his life protecting other people, and even though Aya misses his hugs more than anything, she takes comfort in knowing that her brother's legacy will live on.</p> <p>“He had the opportunity to escape, but he didn’t,” she said.</p> <p>“He was running towards the terrorist.</p> <p>“It really goes to show, especially in his last moments, he was always a giver.”</p> <p>Both Aya and Dr Salama both take comfort in the belief that their loved ones died as as a Shahid – a true martyr who died in the name of their faith in Islam.</p> <p>Dr Salama hopes that the findings from last year’s coronial inquest, expected to be handed down this year, will provide a sense of closure to the victims' families.</p> <p>She also hopes that people will use the fifth anniversary of the shootings to reflect on the work that is yet to be done and call for more action in fighting Islamophobia and extremism.</p> <p>“We can fight Islamophobia by challenging the biases and educating ourselves also and intervening against discrimination.</p> <p>“See something, say something.”</p> <p>Canterbury's Muslim community will also gather today to honour the victims with a commemoration service at Masjid Annur in the evening, according to<em> <a href="https://www.rnz.co.nz/news/national/511744/muslims-mark-5th-anniversary-of-christchurch-mosque-terror-attacks" target="_blank" rel="noopener">RNZ</a></em>.</p> <p>Brenton Tarrant, who was behind the terror attacks, was sentenced to life in jail without parole – the first person in New Zealand's history to receive the sentence because his actions were deemed "so wicked".</p> <p><em>Images: 7News</em></p>

Caring

Altitude sickness is typically mild but can sometimes turn very serious − a high-altitude medicine physician explains how to safely prepare

<p><em><a href="https://theconversation.com/profiles/brian-strickland-1506270">Brian Strickland</a>, <a href="https://theconversation.com/institutions/university-of-colorado-anschutz-medical-campus-4838">University of Colorado Anschutz Medical Campus</a></em></p> <p>Equipped with the latest gear and a thirst for adventure, mountaineers embrace the perils that come with conquering the world’s highest peaks. Yet, even those who tread more cautiously at high altitude are not immune from the health hazards waiting in the thin air above.</p> <p>Altitude sickness, which most commonly refers to <a href="https://medlineplus.gov/ency/article/000133.htm">acute mountain sickness</a>, <a href="https://doi.org/10.1016/j.pcad.2010.02.003">presents a significant challenge</a> to those traveling to and adventuring in high-altitude destinations. Its symptoms can range from <a href="https://doi.org/10.1089/ham.2017.0164">mildly annoying to incapacitating</a> and, in some cases, may progress to more <a href="https://doi.org/10.1183/16000617.0096-2016">life-threatening illnesses</a>.</p> <p>While <a href="https://doi.org/10.18111/9789284424023">interest in high-altitude tourism is rapidly growing</a>, general awareness and understanding about the hazards of visiting these locations <a href="https://doi.org/10.1089/ham.2022.0083">remains low</a>. The more travelers know, the better they can prepare for and enjoy their journey.</p> <p>As an <a href="https://som.cuanschutz.edu/Profiles/Faculty/Profile/36740">emergency physician specializing in high-altitude illnesses</a>, I work to improve health care in remote and mountainous locations around the world. I’m invested in finding ways to allow people from all backgrounds to experience the magic of the mountains in an enjoyable and meaningful way.</p> <h2>The science behind altitude sickness</h2> <p>Altitude sickness is rare in locations lower than 8,200 feet (2,500 meters); however, <a href="https://www.ncbi.nlm.nih.gov/books/NBK430716/">it becomes very common</a> when ascending above this elevation. In fact, it affects about <a href="https://wwwnc.cdc.gov/travel/yellowbook/2024/environmental-hazards-risks/high-elevation-travel-and-altitude-illness">25% of visitors to the mountains of Colorado</a>, where I conduct most of my research.</p> <p>The risk rapidly increases with higher ascents. Above 9,800 feet (3,000 meters), up to <a href="https://www.ncbi.nlm.nih.gov/books/NBK430716/">75% of travelers</a> may develop symptoms. Symptoms of altitude sickness are usually mild and consist of <a href="https://doi.org/10.1089/ham.2017.0164">headache, dizziness, nausea, fatigue and insomnia</a>. They usually <a href="https://doi.org/10.1016/j.rceng.2019.12.009">resolve after one to two days</a>, as long as travelers stop their ascent, and the symptoms quickly resolve with descent.</p> <p>When travelers do not properly acclimatize, they can be susceptible to life-threatening altitude illnesses, such as <a href="https://doi.org/10.1016/j.resp.2007.05.002">high-altitude pulmonary edema</a> or <a href="https://doi.org/10.1089/1527029041352054">high-altitude cerebral edema</a>. These conditions are characterized by fluid accumulation within the tissues of the lungs and brain, respectively, and are the <a href="https://wwwnc.cdc.gov/travel/yellowbook/2024/environmental-hazards-risks/high-elevation-travel-and-altitude-illness">most severe forms of altitude sickness</a>.</p> <p>Altitude sickness symptoms are thought to be caused by <a href="https://doi.org/10.1093%2Fbjaceaccp%2Fmks047">increased pressure surrounding the brain</a>, which results from the failure of the body to acclimatize to higher elevations.</p> <p>As people enter into an environment with lower air pressure and, therefore, <a href="https://doi.org/10.1001/jamanetworkopen.2023.18036">lower oxygen content</a>, their <a href="https://doi.org/10.1093%2Fbjaceaccp%2Fmks047">breathing rate increases</a> in order to compensate. This causes an increase in the amount of <a href="https://doi.org/10.1016/s1357-2725(03)00050-5">oxygen in the blood as well as decreased CO₂ levels</a>, which then increases blood pH. As a result, the <a href="https://doi.org/10.1093%2Fbjaceaccp%2Fmks047">kidneys compensate</a> by removing a chemical called bicarbonate from the blood into the urine. This process makes people urinate more and helps correct the acid and alkaline content of the blood to a more normal level.</p> <figure><iframe src="https://www.youtube.com/embed/iv1vQPIdX_k?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Tips for preventing or reducing the risk of altitude sickness.</span></figcaption></figure> <h2>The importance of gradual ascent</h2> <p>High-altitude medicine experts and other physicians <a href="https://doi.org/10.1016/s0140-6736(76)91677-9">have known for decades</a> that <a href="https://doi.org/10.1089/ham.2010.1006">taking time to slowly ascend is the best way</a> to prevent the development of altitude sickness.</p> <p>This strategy gives the body time to complete its natural physiologic responses to the changes in air pressure and oxygen content. In fact, spending just <a href="https://doi.org/10.1089/ham.2010.1006">one night at a moderate elevation</a>, such as Denver, Colorado, which is at 5,280 feet (1,600 meters), has been shown to <a href="https://doi.org/10.7326/0003-4819-118-8-199304150-00003">significantly reduce the likelihood of developing symptoms</a>.</p> <p>People who skip this step and travel directly to high elevations are <a href="https://doi.org/10.1093/jtm/taad011">up to four times more likely</a> to develop altitude sickness symptoms. When going to elevations greater than 11,000 feet, multiple days of acclimatization are necessary. Experts generally recommend ascending <a href="https://doi.org/10.1089/ham.2010.1006">no more than 1,500 feet per day</a> once the threshold of 8,200 feet of elevation has been crossed.</p> <p>Workers at high altitude, such as <a href="https://doi.org/10.1089/ham.2020.0004">porters in the Nepali Himalaya</a>, are at <a href="https://doi.org/10.1016/j.wem.2018.06.002">particular risk of altitude-related illness</a>. These workers often do not adhere to acclimatization recommendations in order to maximize earnings during tourist seasons; as a result, they are more likely to experience <a href="https://www.cdc.gov/travel/yellowbook/2024/environmental-hazards-risks/high-elevation-travel-and-altitude-illness">severe forms of altitude sickness</a>.</p> <h2>Effective medications</h2> <p>For more than 40 years, <a href="https://doi.org/10.1056/nejm196810172791601">a medicine called acetazolamide</a> has been used to <a href="https://medlineplus.gov/druginfo/meds/a682756.html">prevent the development of altitude sickness</a> and to treat its symptoms. Acetazolamide is <a href="https://www.ncbi.nlm.nih.gov/books/NBK557838/">commonly used as a diuretic</a> and for the <a href="https://www.nei.nih.gov/learn-about-eye-health/eye-conditions-and-diseases/glaucoma">treatment of glaucoma</a>, a condition that causes increased pressure within the eye.</p> <p>If started <a href="https://doi.org/10.1378/chest.09-2445">two days prior</a> to going up to a high elevation, acetazolamide can <a href="https://doi.org/10.1378/chest.09-2445">prevent symptoms of acute illness</a> by speeding up the acclimatization process. Nonetheless, it does not negate the recommendations to ascend slowly, and it is <a href="https://doi.org/10.1016/j.wem.2019.04.006">routinely recommended only</a> when people cannot slowly ascend or for people who have a history of severe altitude sickness symptoms even with slow ascent.</p> <p>Other medications, including ibuprofen, have <a href="https://doi.org/10.1016/j.wem.2012.08.001">shown some effectiveness</a> in treating acute mountain sickness, although <a href="https://doi.org/10.1016/j.amjmed.2018.10.021">not as well as acetazolamide</a>.</p> <p>A <a href="https://pubmed.ncbi.nlm.nih.gov/2028586/">steroid medication called dexamethasone</a> is effective in both treating and preventing symptoms, but it does not improve acclimatization. It is <a href="https://doi.org/10.1016/j.wem.2019.04.006">recommended only when acetazolamide is not effective</a> or cannot be taken.</p> <p>Additionally, it is important to <a href="https://wwwnc.cdc.gov/travel/page/travel-to-high-altitudes">avoid alcohol during the first few days at higher altitudes</a>, as it impairs the body’s ability to acclimatize.</p> <h2>Unproven therapies and remedies are common</h2> <p>As high-altitude tourism becomes increasingly popular, multiple commercial products and remedies have emerged. Most of them are not effective or provide no evidence to suggest they work as advertised. Other options have mixed evidence, making them difficult to recommend.</p> <p>Medications such as <a href="https://doi.org/10.1089/ham.2007.1037">aspirin</a>, <a href="https://doi.org/10.1183/13993003.01355-2017">inhaled steroids</a> and <a href="https://doi.org/10.1089/ham.2011.0007">sildenafil</a> have been proposed as possible preventive agents for altitude sickness, but on the whole they have not been found to be effective.</p> <p><a href="https://doi.org/10.1093/qjmed/hcp026">Supplements and antioxidants have no proven benefit</a> in preventing or treating altitude sickness symptoms. Both normal and high-altitude exercise are popular ways to prepare for high elevations, especially among athletes. However, beyond <a href="https://doi.org/10.1097/jes.0b013e31825eaa33">certain pre-acclimatization strategies</a>, such as brief sojourns to high altitude, <a href="https://doi.org/10.1016/j.tmaid.2013.12.002">physical fitness and training is of little benefit</a>.</p> <p><a href="https://missouripoisoncenter.org/canned-oxygen-is-it-good-for-you">Canned oxygen</a> has also exploded in popularity with travelers. While <a href="https://doi.org/10.1016/0140-6736(90)93240-p">continuously administered medical oxygen</a> in a health care setting can alleviate altitude sickness symptoms, portable oxygen cans <a href="https://doi.org/10.1016/j.wem.2019.04.006">contain very little oxygen gas</a>, casting doubt on their effectiveness.</p> <p>Some high-altitude adventure travelers sleep in <a href="https://doi.org/10.2165/00007256-200131040-00002">specialized tents</a> that simulate increased elevation by lowering the quantity of available oxygen in ambient air. The lower oxygen levels within the tent are thought to accelerate the acclimatization process, but the tents aren’t able to decrease barometric pressure. This is an important part of the high-altitude environment that induces acclimatization. Without modifying ambient air pressure, these <a href="https://doi.org/10.1016/j.wem.2014.04.004">tents may take multiple weeks</a> to be effective.</p> <p>Natural medicines, such as <a href="https://doi.org/10.1580/08-weme-br-247.1">gingko</a> and <a href="https://doi.org/10.1186/s40794-019-0095-7">coca leaves</a>, are touted as natural altitude sickness treatments, but few studies have been done on them. The modest benefits and significant side effects of these options makes their use <a href="https://doi.org/10.1016/j.wem.2019.04.006">difficult to recommend</a>.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/8469948/">Staying hydrated</a> is very important at high altitudes due to fluid losses from increased urination, dry air and increased physical exertion. <a href="https://doi.org/10.1186%2Fs12889-018-6252-5">Dehydration symptoms</a> can also mimic those of altitude sickness. But there is <a href="https://doi.org/10.1580/1080-6032(2006)17%5B215:AMSIOF%5D2.0.CO;2">little evidence that consuming excessive amounts of water</a> can prevent or treat altitude sickness.</p> <p>The mountains have something for visitors of all interests and expertise and can offer truly life-changing experiences. While there are health risks associated with travel at higher elevations, these can be lessened by making basic preparations and taking time to slowly ascend.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/222057/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/brian-strickland-1506270"><em>Brian Strickland</em></a><em>, Senior Instructor in Emergency Medicine, <a href="https://theconversation.com/institutions/university-of-colorado-anschutz-medical-campus-4838">University of Colorado Anschutz Medical Campus</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/altitude-sickness-is-typically-mild-but-can-sometimes-turn-very-serious-a-high-altitude-medicine-physician-explains-how-to-safely-prepare-222057">original article</a>.</em></p>

Travel Trouble

Five tips for developing and managing your budget – even in tough economic times

<p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p>There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>.</p> <p>Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>.</p> <p>But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too.</p> <h2>1. Understand the broader economic conditions</h2> <p>It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends.</p> <p>This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans.</p> <h2>2. Review your income sources</h2> <p>The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting.</p> <p>Some important questions you should ask about your income – and how you might budget with it – include:</p> <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> <p>Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks.</p> <h2>3. Appraise your expenses</h2> <p>Expenses can be broadly categorised into “variable” and “fixed”.</p> <p>Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery.</p> <p>The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as:</p> <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> <p>A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources.</p> <h2>4. Stabilise your finances through savings</h2> <p>Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments.</p> <p>Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation.</p> <p>Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production.</p> <p>That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month.</p> <p>The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies.</p> <h2>5. Run a flexible budget</h2> <p>Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever.</p> <p>Also, health emergencies or career advancement programmes can require taking some money out of our savings.</p> <p>In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.</em></p>

Money & Banking

Why prices are so high – 8 ways retail pricing algorithms gouge consumers

<p><em><a href="https://theconversation.com/profiles/david-tuffley-13731">David Tuffley</a>, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p>The just-released report of the inquiry into <a href="https://pricegouginginquiry.actu.org.au/">price gouging and unfair pricing</a> conducted by Allan Fels for the Australian Council of Trades Unions does more than identify the likely offenders.</p> <p>It finds the biggest are supermarkets, banks, airlines and electricity companies.</p> <p>It’s not enough to know their tricks. Fels wants to give the Australian Competition and Consumer Commission more power to investigate and more power to prohibit mergers.</p> <p>But it helps to know how they try to trick us, and how technology has enabled them to get better at it. After reading the report, I’ve identified eight key maneuvers.</p> <h2>1. Asymmetric price movements</h2> <p>Otherwise known as <a href="https://www.jstor.org/stable/25593733">Rocket and Feather</a>, this is where businesses push up prices quickly when costs rise, but cut them slowly or late after costs fall.</p> <p>It seems to happen for <a href="https://www.sciencedirect.com/science/article/abs/pii/S0140988323002074">petrol</a> and <a href="https://www.sciencedirect.com/science/article/abs/pii/S105905601730240X">mortgage rates</a>, and the Fels inquiry was presented with evidence suggesting it happens in supermarkets.</p> <p>Brendan O’Keeffe from NSW Farmers told the inquiry wholesale lamb prices had been falling for six months before six Woolworths announced a cut in the prices of lamb it was selling as a “<a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">Christmas gift</a>”.</p> <h2>2. Punishment for loyal customers</h2> <p>A <a href="https://theconversation.com/simple-fixes-could-help-save-australian-consumers-from-up-to-3-6-billion-in-loyalty-taxes-119978">loyalty tax</a> is what happens when a business imposes higher charges on customers who have been with it for a long time, on the assumption that they won’t move.</p> <p>The Australian Securities and Investments Commission has alleged a big <a href="https://theconversation.com/how-qantas-might-have-done-all-australians-a-favour-by-making-refunds-so-hard-to-get-213346">insurer</a> does it, setting premiums not only on the basis of risk, but also on the basis of what a computer model tells them about the likelihood of each customer tolerating a price hike. The insurer disputes the claim.</p> <p>It’s often done by offering discounts or new products to new customers and leaving existing customers on old or discontinued products.</p> <p>It happens a lot in the <a href="https://www.finder.com.au/utilities-loyalty-costing-australians-billions-2024">electricity industry</a>. The plans look good at first, and then less good as providers bank on customers not making the effort to shop around.</p> <p>Loyalty taxes appear to be less common among mobile phone providers. Australian laws make it easy to switch <a href="https://www.reviews.org/au/mobile/how-to-switch-mobile-carriers-and-keep-your-number/">and keep your number</a>.</p> <h2>3. Loyalty schemes that provide little value</h2> <p>Fels says loyalty schemes can be a “low-cost means of retaining and exploiting consumers by providing them with low-value rewards of dubious benefit”.</p> <p>Their purpose is to lock in (or at least bias) customers to choices already made.</p> <p>Examples include airline frequent flyer points, cafe cards that give you your tenth coffee free, and supermarket points programs. The purpose is to lock in (or at least bias) consumers to products already chosen.</p> <p>The <a href="https://www.accc.gov.au/consumers/advertising-and-promotions/customer-loyalty-schemes">Australian Competition and Consumer Commission</a> has found many require users to spend a lot of money or time to earn enough points for a reward.</p> <p>Others allow points to expire or rules to change without notice or offer rewards that are not worth the effort to redeem.</p> <p>They also enable businesses to collect data on spending habits, preferences, locations, and personal information that can be used to construct customer profiles that allow them to target advertising and offers and high prices to some customers and not others.</p> <h2>4. Drip pricing that hides true costs</h2> <p>The Competition and Consumer Commission describes <a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">drip pricing</a> as “when a price is advertised at the beginning of an online purchase, but then extra fees and charges (such as booking and service fees) are gradually added during the purchase process”.</p> <p>The extras can add up quickly and make final bills much higher than expected.</p> <p>Airlines are among the best-known users of the strategy. They often offer initially attractive base fares, but then add charges for baggage, seat selection, in-flight meals and other extras.</p> <h2>5. Confusion pricing</h2> <p>Related to drip pricing is <a href="https://www.x-mol.net/paper/article/1402386414932836352">confusion pricing</a> where a provider offers a range of plans, discounts and fees so complex they are overwhelming.</p> <p>Financial products like insurance have convoluted fee structures, as do electricity providers. Supermarkets do it by bombarding shoppers with “specials” and “sales”.</p> <p>When prices change frequently and without notice, it adds to the confusion.</p> <h2>6. Algorithmic pricing</h2> <p><a href="https://pricegouginginquiry.actu.org.au/wp-content/uploads/2024/02/InquiryIntoPriceGouging_Report_web.pdf">Algorithmic pricing</a> is the practice of using algorithms to set prices automatically taking into account competitor responses, which is something akin to computers talking to each other.</p> <p>When computers get together in this way they can <a href="https://www.x-mol.net/paper/article/1402386414932836352">act as it they are colluding</a> even if the humans involved in running the businesses never talk to each other.</p> <p>It can act even more this way when multiple competitors use the same third-party pricing algorithm, effectively allowing a single company to influence prices.</p> <h2>7. Price discrimination</h2> <p>Price discrimination involves charging different customers different prices for the same product, setting each price in accordance with how much each customer is prepared to pay.</p> <p>Banks do it when they offer better rates to customers likely to leave them, electricity companies do it when they offer better prices for business customers than households, and medical specialists do it when they offer vastly different prices for the same service to consumers with different incomes.</p> <p>It is made easier by digital technology and data collection. While it can make prices lower for some customers, it can make prices much more expensive to customers in a hurry or in urgent need of something.</p> <h2>8. Excuse-flation</h2> <p><a href="https://www.bloomberg.com/news/articles/2023-03-09/how-excuseflation-is-keeping-prices-and-corporate-profits-high">Excuse-flation</a> is where general inflation provides “cover” for businesses to raise prices without justification, blaming nothing other than general inflation.</p> <p>It means that in times of general high inflation businesses can increase their prices even if their costs haven’t increased by as much.</p> <p>On Thursday Reserve Bank Governor <a href="https://www.afr.com/policy/economy/inflation-is-cover-for-pricing-gouging-rba-boss-says-20240215-p5f58d">Michele Bullock</a> seemed to confirm that she though some firms were doing this saying that when inflation had been brought back to the Bank’s target, it would be "much more difficult, I think, for firms to use high inflation as cover for this sort of putting up their prices."</p> <h2>A political solution is needed</h2> <p>Ultimately, our own vigilance won’t be enough. We will need political help. The government’s recently announced <a href="https://treasury.gov.au/review/competition-review-2023">competition review</a> might be a step in this direction.</p> <p>The legislative changes should police business practices and prioritise fairness. Only then can we create a marketplace where ethics and competition align, ensuring both business prosperity and consumer wellbeing.</p> <p>This isn’t just about economics, it’s about building a fairer, more sustainable Australia.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/223310/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/david-tuffley-13731"><em>David Tuffley</em></a><em>, Senior Lecturer in Applied Ethics & CyberSecurity, <a href="https://theconversation.com/institutions/griffith-university-828">Griffith University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-prices-are-so-high-8-ways-retail-pricing-algorithms-gouge-consumers-223310">original article</a>.</em></p>

Money & Banking

Downsizing cost trap awaits retirees – five reasons to be wary

<p><em><a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>It’s time to debunk the myth of zero housing costs in retirement if we want to understand why retirees resist downsizing. Retirees have at least five reasons to be wary of the costs of downsizing.</p> <p>Retirees living in middle-ring suburbs face frequent calls to downsize into apartments to free up larger allotments in these suburbs for redevelopment. Retirees who fail to downsize into smaller units and apartments are viewed as being a greedy, baby-boomer elite, stealing financial security from younger generations.</p> <p>It also makes sense to policymakers for retirees to move into less spacious accommodation and make way for high-density housing. Housing think-tank AHURI <a href="http://www.ahuri.edu.au/__data/assets/pdf_file/0021/14079/AHURI_Final_Report_No_286_Australian-demographic-trends-and-implications-for-housing-assistance-programs.pdf">fosters this view</a>. Yet seniors remain resistant to moving, in part because of the ongoing costs they would face.</p> <p>The concept of zero housing costs in retirement is based on a 1940s view of a well-maintained, single dwelling on a single allotment of land where the mortgage has been paid off. This concept is incompatible with medium- and high-density housing and refusing to acknowledge ongoing housing costs may cause significant poverty for retirees.</p> <h2>Reason 1 – upfront moving costs are high</h2> <p>When a house is sold the owner receives the sale funds minus the real estate and legal fees. When the same person then buys a different property to live in, they pay legal fees plus stamp duty.</p> <p>For cities such as Melbourne and Sydney, these costs are likely to exceed A$70,000.</p> <p>These high transfer costs may mean it is not cost-effective <a href="https://theconversation.com/why-older-australians-dont-downsize-and-the-limits-to-what-the-government-can-do-about-it-76931">for the person to move</a>.</p> <h2>Reason 2 – levies are high</h2> <p>Because apartment owners pay body corporate levies, people often assume this is just the same as periodic payment of rates, water, insurance and other costs. It is not.</p> <p>Fees remissions for low-income retirees for rates, power, insurance and water are difficult to apply within a body corporate environment. As a consequence, these are usually not applied to owners of apartments.</p> <p>The costs of maintaining essential services, such as mandatory fire-alarm testing, yearly engineering certification, lift and air-conditioning inspections, significantly increase ownership costs.</p> <p>When additional services are supplied, such as swimming pools, gyms and rooftop gardens, these also require periodic inspections. Garbage collection, cleaning, gardening, concierge and strata management services also <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&eprintid=23322">must be paid</a>.</p> <p>Owners of standard suburban homes choose whether they want these services, with those on fixed incomes going without them.</p> <p>Annual levies for apartment buildings vary, but expect to pay between $10,000 and $15,000. They <a href="https://www.strata.community/understandingstrata/faqs">may be more than this</a>.</p> <h2>Reason 3 – costs of maintenance</h2> <figure class="align-right "><figcaption></figcaption></figure> <p>Apartments are often sold as a maintenance-free solution for older people. The maintenance is not free. It needs to be paid for.</p> <p>Maintenance costs are higher in an apartment than a standard suburban home because there are more items and services to be maintained and fixed. Lifts and air conditioning need periodic servicing and fixing. This is in addition to the mandatory inspections listed above.</p> <h2>Reason 4 – loss of financial security</h2> <p>It is a mistaken belief that the maintenance costs that form part of the body corporate fee include periodic property upgrades. This relates to items that are owned collectively with other apartment owners.</p> <p>Major servicing at the ten-year mark and usually each five-to-seven years after that include painting, floor-covering replacement, and lift and air-conditioning repair or replacement.</p> <p>Major upgrades may also include garden redesign or other external building enhancement including <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&eprintid=23315">environmental upgrades</a>. All owners share these upgrade costs.</p> <p>Costs of upgrading the inside of an apartment (a bathroom disability upgrade, for example) are additional again.</p> <p>Once the body corporate committee members pledge funds towards an upgrade, all owners are required to raise their share of the funds, whether they can afford it or not. Communal choice outweighs an individual owner’s need to delay upgrade costs.</p> <p>Owners who buy apartments that are part of a body corporate effectively lose control of their future financial decisions.</p> <h2>Reason 5 – loss of security of tenure</h2> <p>Loss of security of tenure is usually associated with renters. However, the recent introduction of <a href="http://www.lpi.nsw.gov.au/__data/assets/pdf_file/0009/25965/Termination_of_a_strata_scheme_by_RG.pdf">termination legislation</a> in New South Wales gives other owners the right to vote to terminate a strata title scheme. When this occurs, all owners, including reluctant owners of apartments within that scheme, are compelled to sell.</p> <p>There are valid reasons why termination legislation is desirable, as many older apartment complexes are reaching the end of their useful life.</p> <p>Even so, as termination legislation is rolled out across the states, owner- occupiers effectively lose control of how long they will own a property for. They no longer have security of tenure, which means retirees may face an uncertain housing future in their old age.</p> <h2>Downsizing raises poverty risks</h2> <p>Because current data sets do not adequately take account of ongoing costs associated with apartment living, the effect of downsizing on individual households is masked.</p> <p>Downsizing retirees into the apartment sector creates ongoing financial stress for older people. Creating <a href="https://theconversation.com/it-will-take-more-than-piecemeal-reforms-to-convince-older-australians-to-downsize-51043">tax incentives to move</a> does not tackle these ongoing costs.</p> <p>Centrelink payments for of <a href="https://www.humanservices.gov.au/customer/services/centrelink/age-pension">$404 per week</a> are well below <a href="http://acoss.wpengine.com/poverty-2/">the poverty line</a>. Yet we expect retirees to willingly downsize and to be able to cede most of their Centrelink payments to cover high body corporate costs.</p> <p>Requiring retirees to downsize for the greater urban good will shift poverty onto retirees who could barely manage in their previously owned standard suburban home.</p> <p>Failing to understand the effect of high ongoing costs associated with apartment living and reinforcing the myth of zero housing costs in retirement will continue to lead to poor policy outcomes.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/80895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><a href="https://theconversation.com/profiles/erika-altmann-361218"><em>Erika Altmann</em></a><em>, Property and Housing Management Researcher, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/downsizing-cost-trap-awaits-retirees-five-reasons-to-be-wary-80895">original article</a>.</em></p>

Retirement Income

Five ways to take advantage of rising interest rates to boost your savings

<p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p>With the Bank of England base rate <a href="https://theconversation.com/how-the-bank-of-englands-interest-rate-hikes-are-filtering-through-to-your-finances-210344">currently the highest</a> it has been since early 2008, you may have a valuable opportunity to increase your earnings on pensions, investments and savings accounts. After all, when the central bank raises its main rate – the base rate, which is typically used as a benchmark for loans as well as savings accounts – it is trying to encourage people to spend less and save more.</p> <p>But UK banks and building societies have <a href="https://www.independent.co.uk/money/martin-lewis-savings-rates-mortgage-crisis-b2362955.html">recently been accused</a> of letting their savings rates lag the recent rapid rise in the base rate. UK regulator the Financial Conduct Authority has urged these financial firms to offer “<a href="https://www.fca.org.uk/news/press-releases/action-plan-cash-savings">fair and competitive</a>” savings rates in response to the increasing interest rates.</p> <p>Many financial institutions do offer accounts with <a href="https://www.theguardian.com/money/2023/jul/15/uk-savings-accounts-interest-nsi-building-societies-banks-deals">rates of 6% or more</a>. This is good news for avid savers – but only if you keep an eye on the market so you can switch from less competitive products. This is why it’s important to establish a regular savings habit, but many people are unsure about what that should involve.</p> <p>My colleagues and I have studied the <a href="https://dspace.stir.ac.uk/handle/1893/32240">correlation between people’s savings goals</a> (if they have any) and how they invest their money. We also looked at how seeking financial information advice, and being “good with numbers”, both influence this correlation.</p> <p>We analysed data from more than 40,000 individuals in 21,000 UK households from five waves of the Office for National Statistics Wealth and Assets Survey (WAS), conducted between 2006 and 2016. This data captures comprehensive economic wellbeing information and attitudes to financial planning.</p> <p>Our research shows the importance to your finances of setting multiple savings goals, keeping up with financial news, and seeking professional advice. Based on this, here are five research-based ways to make the most of your money.</p> <h2>1. Set specific savings goals</h2> <p>Establishing personal savings goals is one of the first steps most financial institutions and advisers will recommend to their customers, because it’s a good idea to <a href="https://www.investopedia.com/terms/c/compoundinterest.asp">save regularly</a>. Plus, our study shows that total financial assets increase in line with the number of savings goals you have, and that setting specific, rather than vague, goals leads to higher performance.</p> <p>Specific savings goals should have an end date, target figure, and even a meaningful name – for example, “£1,000 for 2024 trip to Asia” or “£250 for 2023 Christmas present fund”. This will create tangible reference points that encourage self-control and increase the pain you feel if you fail to meet your goal.</p> <h2>2. Seek professional financial advice</h2> <p>Rather than relying on friends, family and social media for financial advice, speak to an expert.</p> <p>Our research shows households that access professional financial advice were more likely to allocate a higher share of their wealth to stock portfolios than those that rely on friends, family and social media for financial advice. This result was consistent even across different wealth and income levels, with lower earners possibly using products like ISAs to make investments in stocks and shares. Other <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">research shows</a> stock portfolios outperform most other types of investment in the long term.</p> <p>We also found that access to professional financial advice can substitute for setting goals, because your adviser should help you to determine the kinds of products to invest in (which is called asset allocation) for specific timelines and aims.</p> <h2>3. Brush up on your maths</h2> <p><a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">Several studies</a> show numerical skills affect how households gather and process information, <a href="https://psycnet.apa.org/doi/10.1037/a0013114">set goals</a>, perceive risks, and <a href="https://heinonline.org/HOL/P?h=hein.journals/fedred89&i=791">decide to invest</a> in various financial assets. So, by brushing up on your basic numeracy and financial literacy skills – even with free online videos – you could boost your savings for the long term.</p> <p>Our study shows that individuals with high confidence in their numerical skills tend to have better financial planning habits – such as investing more in stocks and bonds than cash, which carries more risk but also the potential for greater returns. This trend is particularly evident among households with no savings goals, suggesting that numerical ability could compensate for failing to set such goals.</p> <h2>4. Adopt appropriate savings strategies</h2> <p>Diversified stock market portfolios generally outperform bonds and cash savings <a href="https://doi.org/10.1093/qje/qjz012">over longer periods</a>. However, stock markets can be volatile, so putting savings into less risky assets like bonds and cash is wise for savings goals of less than five years.</p> <p>In the longer term, investing across different global stock markets for more than five years can help counteract inflation. And you can access low-cost, diversified investment portfolios via financial products based on indices of stocks or other assets, such as exchange traded funds.</p> <h2>5. Set, monitor and adjust your plan</h2> <p>Free financial planning and budgeting apps can help you save money by tracking your spending and savings goals, and encouraging you to adhere to a budget.</p> <p>Most importantly, once you set savings goals and create a budget, don’t forget about them. Check regularly to see how your savings are building up and to monitor for any spending changes. A growing array of fintech tools can prompt and encourage this kind of long-term planning.</p> <p>Keeping an eye on savings rates is also important. As banks change rates or create new accounts, consider switching to get a better deal if you can do so without falling foul of account closure fees.</p> <p>It’s important to make sure your savings are working for you at any time, but its crucial in the current economy, when finances are tight but interest rates are rising.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting & Finance, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-ways-to-take-advantage-of-rising-interest-rates-to-boost-your-savings-208853">original article</a>.</em></p>

Money & Banking

2023 Drone Photo Awards fly high as winners are revealed

<p dir="ltr">The winners of the 2023 Drone Photo Awards have been announced, with photographers all around the world recognised for their commitment to aerial photography in the fierce international competition.</p> <p dir="ltr">Thousands of submissions were received for the annual contest across nine different categories: photo of the year, urban, wildlife, sport, people, nature, abstract, wedding, series, and video. </p> <p dir="ltr">The Drone Photo Awards are open to both aerial photography and video, with platforms including “fixed-wing aircraft, helicopters, unmanned aerial vehicles, balloons, blimps and dirigibles, rockets, kites, and parachutes.”</p> <p dir="ltr">The competition’s top award, Photo of the Year, went to a shot by Israeli photographer Or Adar. </p> <p dir="ltr">His submission, ‘Must resist’, presents the image of “protesters holding banners during a demonstration again Israeli Prime Minister Benjamin Netanyahu’s judicial overhaul plans” from an aerial perspective, capturing the moment in Tel Aviv when “tens of thousands of protesters took to the streets of Israeli cities for the ninth straight week, on Saturday March 4th, to fight a government plan to overhaul the country's court system.” </p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">🏆“𝐃𝐫𝐨𝐧𝐞 𝐏𝐡𝐨𝐭𝐨 𝐀𝐰𝐚𝐫𝐝𝐬 𝟐𝟎𝟐𝟑” 𝐏𝐡𝐨𝐭𝐨 𝐨𝐟 𝐭𝐡𝐞 𝐘𝐞𝐚𝐫 🏆</p> <p>Congrats to Or Adar for his stunning image “Must resist”. 👏👏👏<a href="https://t.co/leaZw2sazu">https://t.co/leaZw2sazu</a><a href="https://twitter.com/hashtag/sienawards?src=hash&ref_src=twsrc%5Etfw">#sienawards</a> <a href="https://twitter.com/hashtag/dronephotoawards?src=hash&ref_src=twsrc%5Etfw">#dronephotoawards</a> <a href="https://twitter.com/hashtag/photocontest?src=hash&ref_src=twsrc%5Etfw">#photocontest</a> <a href="https://twitter.com/hashtag/dronephotography?src=hash&ref_src=twsrc%5Etfw">#dronephotography</a> <a href="https://t.co/pyReGOTMC9">pic.twitter.com/pyReGOTMC9</a></p> <p>— Siena Awards (@SIPAContest) <a href="https://twitter.com/SIPAContest/status/1671458317472866313?ref_src=twsrc%5Etfw">June 21, 2023</a></p></blockquote> <p dir="ltr">Polish photographer Sebastian Piórek took home the win in the Urban category for his shot of Chorzów in southern Poland, which was described by The Siena Awards as a photo that “beautifully juxtaposes the colourful ambiance and harmony of the playground against the backdrop of the city.”</p> <p dir="ltr">Indian photographer Danu Paran won the Wildlife category with his shot of a napping elephant, where “the elephant’s grey and wrinkled skin perfectly merges with the natural landscape, creating a harmonious composition that showcases the beauty of wildlife.”</p> <p dir="ltr">French photographer David Machet won for Sport with his photo of tightrope walker Nathan Paulin in the French Alps, as Paulin traversed a ‘highline’ almost 2.5 km in the air. </p> <p dir="ltr">The People category went to British photographer Simon Heather’s picture of people in Portugal enjoying a sunny day by the sea, while the Series award went to American photographer George Steinmetz for his photo series of farmland.</p> <p dir="ltr">Indian photographer Thomas Vijayan took home the Nature award for his photo of Svalbard, with Vijayan sharing that “it was surprisingly sad to see that the ice had already melted in June, and we were able to reach the ice cap with our ship.”</p> <p dir="ltr">The Abstract winner was Spanish photographer Ignacio Medem for a shot demonstrating how drought and poor water resource management has impacted a river in the American West.</p> <p dir="ltr">Polish photographer Krzysztof Krawczyk found success in the Wedding category, with his snap of newlyweds on a boat in the middle of a lake, while “they are enveloped by voluminous clouds and surrounded by thousands of dry leaves, resembling stars and creating gentle waves.”</p> <p dir="ltr">And last but not least, Bashir Abu won the Video category with “Why I Travel the World Alone”.</p> <p><iframe title="YouTube video player" src="https://www.youtube.com/embed/Z6t4y3A28uA" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe></p> <p dir="ltr">And for anyone hoping to check the winners out for themselves, Adar’s image - as well as the top photographs from the other winning categories - will be available for viewing in the Above Us Only Sky exhibition set to take place for the first time at Italy’s San Galgano Abbey from July 8 to November 19. </p> <p dir="ltr"><em>Images: Drone Photo Awards</em></p>

Art

Five things to do before you die – because planning your eventual demise takes preparation

<p><em><a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a></em></p> <p>Many people who are struck with sudden, progressive or terminal illness are <a href="https://theconversation.com/why-are-patients-in-permanent-comas-routinely-kept-alive-43365">kept alive mechanically</a>, while families and doctors make decisions about treatment. As a researcher in medical law, particularly end-of-life decision-making, I have seen how this can become a minefield of legal and ethical problems.</p> <p>UK law allows people to plan in advance of any debilitating illness, and thus have some control over future treatment. This is known as “<a href="https://www.nhs.uk/conditions/end-of-life-care/advance-decision-to-refuse-treatment/">advance decisions</a>”. While these laws are in place, research shows the <a href="https://rm.coe.int/cdcj-2017-2e-final-rapport-vs-21-06-2018/16808b64ae">majority of people disregard or defer the discussions</a> primarily because they do not know how to raise them, or what to expect.</p> <p>While planning for your eventual demise probably sounds as fun as pulling teeth, it can be empowering. Following from <a href="https://pure.hud.ac.uk/en/publications/advance-directives-rethinking-regulation-autonomy-amp-healthcare-">my recent book</a>, here are five tips for how you can use the law to help you plan for what you want in the future – and make your voice heard when you may no longer have one.</p> <h2>1. Gather information from experts</h2> <p>First, you must think, gather information and talk to experts about how life can unfold in the case of progressive illness. This is important whether you are well but thinking about future incapacity, or whether you have actually been <a href="https://www.4pb.com/case-detail/re-ak-medical-treatment-consent/">diagnosed with illness</a>.</p> <p>A solicitor with expertise in advance directives can help you understand important laws, such as those that dictate when a person has <a href="https://www.legislation.gov.uk/ukpga/2005/9/contents">sufficient “mental capacity”</a> to make lawful decisions. Lawyers can help you draft your will, and advise on how to protect or pass on your estate – including <a href="https://www.gov.uk/inheritance-tax">hidden costs</a>. They can also help you <a href="https://www.gov.uk/power-of-attorney">nominate someone</a> to make medical decisions for you when you become incapacitated, and decide the limits of their power. Do not just assume that your family members automatically have the power to decide for you legally.</p> <p>If you are ill, ask a doctor to inform you how your condition will progress so you can decide how you will deal with future events. For example, with dementia and other progressive illnesses, you must consider what quality of life you would tolerate. Similarly, in the case of pain, what treatment you would accept or refuse?</p> <p>Think big picture about your future life. Would you trade quantity of life for quality, opting for less time but with better quality of life?</p> <h2>2. Setting your decisions in stone</h2> <p>Now you have made some important decisions, the next step is about making these decisions clear in the right way, to the right people, and at the right time.</p> <p>I have <a href="https://www.springer.com/gp/book/9783030009755#aboutBook">documented many cases</a> across England and Wales where advance directives are disputed because they are invalid or inapplicable and there is a dispute about whether they are still legally able to make decisions. Considering your health, you may want to get a <a href="https://www.bma.org.uk/advice/employment/ethics/mental-capacity/assessing-mental-capacity">formal assessment</a> of your mental state and ability to make decisions. You should record any conversations you have in writing. Documents that show you have been supported (by friends, family or professionals) in your decision-making boost the validity of your choices, <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">making them more binding</a> for healthcare professionals.</p> <p>Legally, just revealing your treatment preferences to your doctor or friends <a href="https://swarb.co.uk/w-healthcare-nhs-trust-v-kh-ca-17-sep-2004/">is not enough</a>. Writing things down is important, though never easy. Ask family or friends to support you in this process. If a loved one is aware of the choices you have made they are less likely to object to your medical decisions because they have been part of the decision process.</p> <h2>3. Update when your situation changes</h2> <p>Many people are caught out when their <a href="https://compassionindying.org.uk/making-decisions-and-planning-your-care/planning-ahead/advance-decision-living-will/review-update/">personal situation changes</a>, but they have failed to update their advance directives to reflect this – such as changing romantic relationships. Family conflict by your bedside is the last thing you want. Even if your circumstances are the same, regularly update to avoid “what was I thinking?” moments when it’s too late.</p> <h2>4. Make sure it gets found</h2> <p>Inform your family, doctors and lawyers what your advance directives are <em>and</em> where to find them. If the right people don’t have access to your directives, they are useless. In a recent example, the family of a Warwickshire woman was granted a £45,000 payout after she was <a href="https://www.bbc.co.uk/news/uk-england-coventry-warwickshire-42240148">kept alive for 22 months against her will</a> – as the relevant documents had been misplaced.</p> <h2>5. Don’t forget your online life</h2> <p>Discussions on social media about how you wish to spend your twilight days may help as <a href="https://brill.com/view/journals/ejhl/25/1/article-p24_24.xml?lang=en">supporting information</a> to ensure the wishes in your advance directives are strengthened. You should also think about who you want to be granted (or denied) access to your online accounts and social media after your death. Streamlining this process, you can now <a href="https://www.theatlantic.com/technology/archive/2013/04/google-death-a-tool-to-take-care-of-your-gmail-when-youre-gone/274934/">create a social media will</a> online.</p> <p>Drafting an advance directive is an exercise in liberty. It allows our beliefs and preferences to be made clear even when we are physically or mentally unable to express them ourselves. An advance directive is our voice when we no longer have one. Use your voice wisely.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/122296/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/hui-yun-chan-715995">Hui Yun Chan</a>, Senior Lecturer in Law, <a href="https://theconversation.com/institutions/university-of-huddersfield-1226">University of Huddersfield</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-things-to-do-before-you-die-because-planning-your-eventual-demise-takes-preparation-122296">original article</a>.</em></p>

Legal

Why you should throw out five things every Monday

<p><strong>Throw out five things </strong></p> <p>Organising your entire house in one fell swoop might be overwhelming, but vowing to toss or put away just five objects will seem much more doable. Once you look for expired foods, old receipts, junk mail, dirty socks, and other useless items, it won’t take long to gather all five and be well on your way to a de-cluttered home.</p> <p><strong>Do a once-over</strong></p> <p>The biggest thing you could do every week is to quickly take an assessment on the inside and outside of your house and determine what you need to add to your schedule. Do you notice any scuffed paint? Unruly hedges? Once you know what projects you’ll need to tackle, plan out which ones you’ll realistically have time for this week. Deciding ahead of time will make you less overwhelmed when chore time rolls around.</p> <p><strong>Clean your exhaust hood vent </strong></p> <p>Most homeowners are already good about wiping down their stovetop on at least a weekly basis, but don’t stop there. Remove the overhead vent and give it a rinse to remove the grease and food residue build-up. Not only can it prevent fire, your food might taste better, too.</p> <p><strong>Clear out your "drop zone"</strong></p> <p>Most homes have one or more areas where clutter builds up, whether it’s mail collecting on the kitchen table or a pile of clothes heaped on a bedroom chair. While it’s better to contain the clutter than to let it spill all over the house, that build-up can get overwhelming.</p> <p>To keep clutter to a minimum, take a moment each week to ‘sweep’ surfaces in at least one room. Take a trip around the room and remove easy-to-grab clutter from tabletops and shelves. Once the objects are out of the way, wipe down to keep those areas clean and tidy.</p> <p><strong>Vacuum</strong></p> <p>Of course, you know you need to vacuum when you start seeing pet dander and dirt building up, but that’s not the only reason you should clean your floors. Not only are you moving dust and dirt from the floors, but you’re protecting your filters. If you aren’t changing your heating, ventilation, and air conditioning filters or vacuuming the floors frequently enough, pet hair and other particles can build up and take a toll on the system.</p> <p><strong>Water your plants</strong></p> <p>A dried-up houseplant is a sorry sight. By committing one day a week to checking your plants, even homeowners without a green thumb can keep houseplants healthy. See if your plants are thirsty, and pick up any fallen leaves from the soil.</p> <p><strong>Mow the lawn</strong></p> <p>You’re able to put it off in the winter, but pulling out the lawnmower every week in the warmer months will keep your yard from getting unruly. Plus, it’s better for your equipment. The long grass could get caught in the blades, making the task more difficult than it would have been if you kept up with maintenance.</p> <p><strong>Change your bath towels </strong></p> <p>Even if you don’t have time to scrub your bathtub, sink, toilet, and floor every week, make sure you at least tackle the dirty towels. Replace any dirty towels with new ones, and make sure the clean ones are folded or hung nicely in place.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.co.nz/food-home-garden/home-tips/why-you-should-throw-out-five-things-every-monday" target="_blank" rel="noopener">Reader's Digest</a>. </em></p>

Home & Garden

How 1920s high society fashion pushed gender boundaries through ‘freaking’ parties

<p><em><a href="https://theconversation.com/profiles/dominic-janes-347508">Dominic Janes</a>, <a href="https://theconversation.com/institutions/keele-university-1012">Keele University</a></em></p> <p>The 1920s brought about a rise in androgynous fashion among a high society set that broke boundaries and caused controversy. This drew on a subculture that had existed for decades, perhaps centuries, but after the first world war gender-bending fashions became front page news.</p> <p>It was a time of upheaval. Established regimes were toppling across Europe. In Britain, women over 30 had finally been given the vote and there was widespread concern about the new hedonism of their younger “flapper” sisters.</p> <p>There was also a new market for novels, such as Radcylffe Hall’s <a href="https://www.pbs.org/wgbh/roadshow/stories/articles/2019/4/1/radclyffe-hall-well-of-loneliness-legacy#:%7E:text=On%20November%2016%2C%201928%2C%20Biron,its%20immediate%20removal%20from%20circulation.">banned book</a> <a href="https://www.bbc.com/culture/article/20221121-the-well-of-loneliness-the-most-corrosive-book-ever">The Well of Loneliness</a> (1928) that focused on, rather than merely hinted at, queer lives. Daring male university students <a href="https://doi.org/10.1093/tcbh/hwab036">started wearing makeup</a>. One of these was <a href="https://www.vam.ac.uk/articles/cecil-beaton-an-introduction">Cecil Beaton</a>, the future celebrity photographer, who <a href="https://www.digitaltransgenderarchive.net/files/ht24wj66t">delighted in cross-dressing</a> both on stage and off.</p> <p>Beaton became part of a set of high society socialites who were known as the “<a href="https://www.npg.org.uk/whatson/cecil-beaton-bright-young-things/exhibition">bright young things</a>”. They were often socially privileged, many of them were queer and their antics were <a href="https://djtaylorwriter.co.uk/page10.htm">widely followed in the media</a> with a mixture of horror and fascination.</p> <p>The “things” took partying seriously and paid great attention to their outfits. They dressed to transgress. In 1920, high society magazine <a href="https://www.bloomsbury.com/uk/freak-to-chic-9781350172609/">The Sketch reported</a> that what it termed “freak parties” were suddenly in vogue with the younger set.</p> <p>Before the war, <a href="https://www.bloomsbury.com/uk/freak-to-chic-9781350172609/">articles had appeared</a> condemning unusual styles as “freak fashions”, but suddenly “<a href="https://www.bloomsbury.com/uk/freak-to-chic-9781350248083/">freaking</a>” was all the rage.</p> <p>Until this point, menswear had been heavily circumscribed. Black was the default colour for formal occasions and tweed for informal settings. But suddenly there was a circle who were keen to try out new looks, no matter how bizarre – or queer-looking – the results.</p> <h2>Queer parties, queer fashions</h2> <p>These styles were often worn as fancy dress, but they borrowed looks from marginalised queer communities such as feminine-styled queer men, some of whom made a living by selling sexual services.</p> <p>One such man was Quentin Crisp, whose memoir <a href="https://www.penguinrandomhouse.com/books/324730/the-naked-civil-servant-by-quentin-crisp/">The Naked Civil Servant</a> (1968) was dramatised as a <a href="http://www.crisperanto.org/news/NCSusa2007.html">pioneering TV drama</a>.</p> <p>Another source of inspiration was the <a href="https://press.uchicago.edu/ucp/books/book/chicago/S/bo3682948.html">freak show</a>. These displays, horrifying from a 21st century point of view, were a popular element of circuses at the time. They featured such stock characters as the muscled giant and the bearded lady, some of whom <a href="https://www.thehumanmarvels.com/annie-jones-the-esau-woman/">became celebrities</a> in their own right.</p> <p>Masquerade and fancy dress parties had long been a feature of urban social life, but the bright young things innovated in that they impressed less through the expense of their outfits and more through their queer implications.</p> <p>Many such parties were themed, such as a Greek-themed freak party that was hailed as the greatest “Dionysia” of 1929 (Dionysus being the Greek god of sex and pleasure). Androgynous and cross dressing looks were common and men such as Beaton designed their own frocks.</p> <p>In July 1927, <a href="https://www.routledge.com/Her-Husband-was-a-Woman-Womens-Gender-Crossing-in-Modern-British-Popular/Oram/p/book/9780415400077">one magazine declared</a> that an event attended by Beaton’s friend Stephen Tennant dressed as the Queen of Sheba and bisexual actress Tallulah Bankhead dressed as a male tennis star was: “one of the queerest of all the ‘freak’ parties ever given in London”.</p> <h2>The party’s over</h2> <p>The Wall Street crash of 1929 led to a rapid shift in public mood. Economic recession led people to favour sobriety over flamboyance. Money for the parties ran out and media attention faltered.</p> <p>Gender-bending style vanished from the fashionable arena, although it persisted on inner cities streets. Quentin Crisp’s mode of <a href="https://bodleianshop.co.uk/products/british-dandies">queer dandyism</a> was daring for its time, but it only became extraordinary by virtue of his unwillingness to modernise.</p> <p>Seemingly he, and pretty much he alone, continued to wear the queer looks of the interwar period into the television age. He duly <a href="http://www.crisperanto.org/news/AnEnglishmanInNYmovie.html">became a transatlantic celebrity</a> late in life when he became the inspiration for Sting’s song <a href="https://www.sting.com/discography/album/189/Singles">Englishman in New York</a> in 1987.</p> <p>Cecil Beaton, meanwhile, became a leading photographer for Vogue magazine and was commissioned to take official <a href="https://www.rct.uk/cecil-beaton-1904-80">coronation portraits of Elizabeth II</a>. He also designed the fantastic dresses worn by Audrey Hepburn in the film <a href="https://www.tatler.com/article/in-cecil-beatons-show-stopping-designs-for-my-fair-lady-lies-a-story-of-tantrums-and-top-hats">My Fair Lady</a> (1964), inspired by the gowns he and his compatriots had dreamed up for themselves some 40 years earlier.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/205893/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/dominic-janes-347508">Dominic Janes</a>, Professor of Modern History, <a href="https://theconversation.com/institutions/keele-university-1012">Keele University</a></em></p> <p><em>Image credits: Getty </em><em>Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-1920s-high-society-fashion-pushed-gender-boundaries-through-freaking-parties-205893">original article</a>.</em></p>

Beauty & Style

Climate change protester crashes high-profile wedding

<p>Climate change protesters have crashed the wedding of former UK politician George Osbourne and his former aide Thea Rodgers.</p> <p>The ceremony, which took place in Somerset, England, had more than 200 guests and was attended by several high-profilers – including former prime ministers, other UK politicians and various journalists.</p> <p>A few of the guests in attendance included former Prime Minister David Cameron and his wife, Samantha, longstanding minister Michael Gove, and former <em>Sky News </em>political editor Adam Boulton among others.</p> <p>The protester, who claimed to be part of the environmental group Just Stop Oil, waited until the couple walked out of St Mary’s Church after the ceremony to throw handfuls of orange confetti over them.</p> <p>The woman had a big smile on her face as she continued emptying the confetti from a Union Jack bag, before being dragged away by security.</p> <p>Just Stop Oil tweeted footage of the incident with the caption: “You look good in orange @George_Osborne – congratulations to the newlyweds.”</p> <p>Despite applauding the protester’s action, the environmental group has denied their connection to the incident.</p> <p>"If it was a form of protest (which is yet to be established) we applaud it and thank the person concerned,” they tweeted.</p> <p>"It was peaceful and not especially disruptive but got massive media attention for Just Stop Oil's demand."</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">Confettigate: A Statement From Just Stop Oil</p> <p>The lady who threw confetti in Bruton yesterday was upholding a tradition that is common across many cultures. We absolutely defend the right for people to throw confetti (of whatever colour) at weddings and other celebrations.</p> <p>If it… <a href="https://t.co/e0uRJkV2S6">pic.twitter.com/e0uRJkV2S6</a></p> <p>— Just Stop Oil (@JustStop_Oil) <a href="https://twitter.com/JustStop_Oil/status/1678014729216770048?ref_src=twsrc%5Etfw">July 9, 2023</a></p></blockquote> <p>Another protester was reportedly spotted outside of the gates of the church.</p> <p>The group also added that people should focus on more important issues like the UK government’s decision to licence over 100 new oil and gas projects and the wildfires in Canada.</p> <p>This is Osbourne’s second wedding; he was previously married to Frances Osborne, but the pair divorced in 2019 after 21 years of marriage.</p> <p><em>Images: Finnbarr Webster/Getty Images</em></p>

Relationships

Man proposes to high school sweetheart after rekindling their romance

<p dir="ltr">Over 60 years ago, Thomas and Nancy met when they were in high school and fell in love. </p> <p dir="ltr">Despite their feelings for each other, their romance didn’t last and they fell out of touch as life moved on. </p> <p dir="ltr">Sixty years on, Thomas and Nancy rekindled their relationship and spent three weeks having phone conversations to discover their affection for each other never died. </p> <p dir="ltr">Nancy then decided to fly to Thomas’ home state of Florida for an emotional reunion, and was shocked by the surprise she arrived at. </p> <p dir="ltr">Walking off the plane in the city of Tampa, Nancy was greeted by Thomas on one knee, delivering an emotional speech about how much he loves her, before he asked her to marry him. </p> <p dir="ltr">The heart-felt moment, captured by a fellow traveller and posted to TikTok, shows Thomas dressed up in a suit, waiting nervously for Nancy to arrive with a big smile on his face.</p> <p dir="ltr">Upon seeing her, he handed her a bouquet of roses and gave her a tender kiss before he pulled out his ring and started professing his love. </p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/CuQIG3Mr0GA/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/CuQIG3Mr0GA/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by PerezHilton.com (@perezhilton)</a></p> </div> </blockquote> <p dir="ltr">“My dear Nancy, it's been 60 years since we first met, 56 years since we first dated, 10 years since I last saw you, and 20 days since we began this,” he said, his voice shaky with emotion. </p> <p dir="ltr">“You have always been the one I've had a crush on, since your cheerleader days.”</p> <p dir="ltr">“It brings a smile to my face, it makes my heart skip a beat [to see you]. For the last three weeks, I have thought of you every day, every hour and have talked to you every night for hours.”</p> <p dir="ltr">“I have longed to see you again, hold you in my arms, and tell you how much you mean to me.”</p> <p dir="ltr">“So Nancy, I come to you humbly today, June 30, with a proposal. I want to spend the rest of my life with you and cherish every moment we will have together.” </p> <p dir="ltr">“I love you more than words can express, more than you can ever comprehend. I want to spend the rest of my life proving that to you and making you the happiest woman in the world.”</p> <p dir="ltr">“Will you Nancy, give me the honour of being my soulmate in life? My partner in every sense of the word, my beloved wife forever? Will you marry me?”</p> <p dir="ltr">Nancy, who had started to cry while Thomas was talking, quickly said yes to the proposal, which resulted in Thomas cheering and a group of strangers who had stopped to watch clapping for the couple before they embraced in a big hug. </p> <p dir="ltr">The TikTok creator also shared a snap of Thomas and Nancy posing together while holding up a sign that read, “She said yes!”</p> <p dir="ltr">The video has gained millions of views, and it sparked a slew of comments from people who said they were “sobbing” over Nancy and Thomas' love story.</p> <p dir="ltr">“They were meant to be, nor time or distance tore them apart,” one person wrote.</p> <p dir="ltr">Another said, “When two souls are meant to be, they will find each other.”</p> <p dir="ltr"><em>Image credits: TikTok</em></p>

Relationships

Harrison Ford is back as an 80-year-old Indiana Jones – and a 40-something Indy. The highs (and lows) of returning to iconic roles

<p><a href="https://theconversation.com/profiles/ben-mccann-398197">Ben McCann</a>, <em><a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p>Saddle up, don the fedora and crack that whip: Harrison Ford is back as the intrepid archaeologist in <em>Indiana Jones and the Dial of Destiny</em>. The film premiered at Cannes, where Ford was <a href="https://www.hollywoodreporter.com/movies/movie-news/harrison-ford-honorary-palme-dor-cannes-1235495463/">awarded</a> an Honorary Palme d’Or in recognition of his life’s work.</p> <p>Reviews for the fifth film in the franchise <a href="https://www.hollywoodreporter.com/movies/movie-news/indiana-jones-5-review-roundup-1235495961/">have been mixed</a>, and it is the first Indy film not to be directed by Steven Spielberg (this time, it’s James Mangold, best known for his motor-racing drama Ford v Ferrari).</p> <p>But this is “event” cinema that combines nostalgia, old-school special effects and John Williams’ <a href="https://theconversation.com/from-jaws-to-star-wars-to-harry-potter-john-williams-90-today-is-our-greatest-living-composer-176245">iconic score</a>.</p> <p>So, Ford is back, aged 80. What draws actors back after all this time?</p> <figure><iframe src="https://www.youtube.com/embed/eQfMbSe7F2g?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <h2>Role returns</h2> <p>Ford first played Indy in 1981 and last played him in 2008. That is a full 15 years since the most recent film in the series, and 42 years since his first outing in <em>Raiders of the Lost Ark</em>.</p> <p>Ford has form in returning to celebrated characters. One of the great pleasures of watching <em>The Force Awakens</em> back in 2015 was seeing Ford play Han Solo again for the <a href="https://www.dailymotion.com/video/x3j2j09">first time in over 30 years</a>.</p> <figure><iframe src="https://www.youtube.com/embed/0xQSIdSRlAk?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Actors return to roles for numerous reasons:</p> <ul> <li>financial (Ford was reportedly paid <a href="https://okmagazine.com/exclusives/harrison-ford-paid-indiana-jones-5-plagued-with-problems/">US$25 million</a> for <em>Dial of Destiny</em>)</li> <li>protection of their brand, image and star persona (Michael Keaton <a href="https://www.fortressofsolitude.co.za/the-flash-movies-biggest-hero-how-michael-keaton-saved-the-film/">returning to play Batman</a> after three decades and three other actors who have embodied the role)</li> <li>professional (Tom Cruise admitted over the 36 years between <em>Top Gun</em> films he wanted to make sure the sequel <a href="https://screenrant.com/top-gun-maverick-tom-cruise-return-how-explained/">could live up to the original</a>)</li> <li>personal (once-huge stars are working less and less, and only feel the need to return to a built-in fan base every few years – Bill Murray in the 2021 <em>Ghostbusters</em> sequel springs to mind).</li> </ul> <p>It’s not always a successful endeavour.</p> <p>Arnold Schwarzenegger and Sylvester Stallone – two of the biggest action stars of the 1980s off the back of iconic roles as <em>The Terminator</em>, Rocky Balboa and John Rambo – have repeatedly returned to those roles, and critics have been <a href="https://screenrant.com/terminator-dark-fate-undermined-john-connor-storyline-franchise-bad/">particularly harsh</a>.</p> <p>It did not work for Sigourney Weaver in <em><a href="https://www.rogerebert.com/reviews/alien-resurrection-1997">Alien: Resurrection</a></em> in 1997, 18 years after her first time as Ripley; nor for Keanu Reeves in <em><a href="https://www.theguardian.com/film/2021/dec/21/the-matrix-resurrections-review-keanu-reeves">The Matrix Resurrections</a></em> in 2021, 23 years after the original.</p> <p>And still, I’m intrigued to see what Michael Mann could do with his long-rumoured sequel to <em>Heat</em>, his definitive 1995 crime film. Ever since Mann published his novel Heat 2 last year – a kind of origin story for <em>Heat’s</em> key protagonists – fans have been hoping a de-aged Al Pacino (now aged 83) <a href="https://deadline.com/2023/04/michael-mann-heat-2-warner-bros-adam-driver-young-neil-mccauley-1235316777/">might return</a> as LA cop Vincent Hanna.</p> <h2>Undoing time</h2> <p>“Digital de-ageing” first entered the Hollywood mainstream in 2019 with <em>The Irishman</em> and <em>Captain Marvel</em>.</p> <p><a href="https://www.indiewire.com/features/craft/de-aging-actors-history-benjamin-button-dial-of-destiny-harrison-ford-1234863938/">Via this process</a>, older actors (Robert De Niro, Al Pacino and Samuel L. Jackson have all been subject to the technology) move back and forwards in time without younger actors having to play them.</p> <figure><iframe src="https://www.youtube.com/embed/OF-lElIlZM0?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Films still tend to cast two actors to play older and younger versions of the same character, a choice that dates back at least to 1974’s <em>The Godfather Part II</em>, in which a young Robert de Niro plays Vito Corleone, portrayed by the much older Marlon Brando in the first film.</p> <p>In 1989, <em>Indiana Jones and the Last Crusade</em> features a delightful opening scene where River Phoenix plays the young version of Indiana Jones, before Ford takes over for the rest of the film.</p> <figure><iframe src="https://www.youtube.com/embed/AwH6-Yh7_SM?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Actors used to just play characters of their own age when reprising earlier roles. Paul Newman finally won a Best Actor Oscar for his role as “Fast Eddie” Felson in <em>The Color of Money</em> (1986), a quarter of a century after first playing him in The Hustler.</p> <p>The sequel plays on Newman’s age, and his role as a mentor to an upcoming Tom Cruise, and bathes viewers in nostalgia and memories of <a href="https://faroutmagazine.co.uk/paul-newman-schooled-tom-cruise-the-color-of-money/">a younger Newman</a>.</p> <figure><iframe src="https://www.youtube.com/embed/k7gmrKAFshE?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>But actors no longer have to exclusively play their age.</p> <p>The first part of <em>Dial of Destiny</em> is an extended flashback, set in 1944, in which Ford has been digitally de-aged to appear in his 40s. This process used an AI system that scanned used and unused reels of footage of Ford from <a href="https://www.cbr.com/harrison-ford-de-aging-indiana-jones-dial-of-destiny/">the first three Indy films</a> to match his present-day performance.</p> <p>Here, it is as if we are getting two Fords for the price of one: the “younger”, fitter Indy and the older, more world-weary version. It makes for a powerfully emotional connection on screen.</p> <p>Yet there are some <a href="https://variety.com/2023/film/awards/indiana-jones-5-harrison-ford-de-aging-not-working-1235618698/">pitfalls to de-ageing</a>. Some viewers complain that the whole process is distracting and that the hyper-real visual look of de-aged scenes resembles a video game.</p> <p>Even so, de-ageing in Hollywood cinema is here to stay. Tom Hanks’s <a href="https://variety.com/2023/film/news/tom-hanks-robin-wright-digitally-deaged-robert-zemeckis-movie-1235507766/">next film</a> is using AI-based generative technology to digitally de-age him.</p> <p>Given its reduced cost, speed and reduced human input, AI-driven innovation might have <a href="https://filmstories.co.uk/news/new-ai-driven-de-ageing-tools-to-be-used-in-tom-hanks-project/">industry-changing ramifications</a>.</p> <h2>The star of Ford</h2> <p>Harrison Ford remains a bona fide “movie star” in an industry profoundly buffeted by COVID, the rise of streaming platforms, the demise of the monoculture, and the changing nature of who constitutes a star.</p> <p>In the midst of all this industry uncertainty, it seems there is no longer a statute of limitations on actors returning to much-loved characters.</p> <p>The next big ethical issue for the film industry as it further embraces AI is whether to <a href="https://collider.com/james-dean-digital-cgi-performance-in-new-movie/">resurrect deceased actors</a> and cast them in new movies.</p> <p>Still, I’m looking forward to seeing more actors de-aged as the technology improves and audiences acclimatise to watching older actors “playing” younger versions of themselves. We are only at the start of Hollywood’s next big adventure.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/202357/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/ben-mccann-398197">Ben McCann</a>, Associate Professor of French Studies, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/harrison-ford-is-back-as-an-80-year-old-indiana-jones-and-a-40-something-indy-the-highs-and-lows-of-returning-to-iconic-roles-202357">original article</a>.</em></p>

Movies

John Legend welcomes new baby only FIVE MONTHS after last one

<p dir="ltr">Chrissy Teigan and John Legend have announced the birth of their fourth baby, a son named Wren Alexander Stevens, who was born via a surrogate.</p> <p dir="ltr">The couple shocked fans with the surprise announcement since their third baby, a daughter named Esti, was born just five months before Wren.</p> <p dir="ltr">John posted a sweet family pic with the caption: “Wren Alexander Stephens, our new love.”</p> <p dir="ltr">The newborn’s middle name was inspired by his surrogate mum, Alexandra.</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CuCuPVqpuMB/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CuCuPVqpuMB/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by John Legend (@johnlegend)</a></p> </div> </blockquote> <p dir="ltr">Chrissy also posted a lengthy Instagram update on their surrogacy process, and also mentioned her late son Jack.</p> <p dir="ltr">“For as long as I can remember, I've always wanted four children,” she began the post sharing that the desire has started from the time she was a little girl and would play pretend.</p> <p dir="ltr">“After losing Jack, I didn't think I'd be able to carry any more babies on my own.</p> <p dir="ltr">“To be honest, I've personally blocked out a lot of my mindset during that time, but one clear memory is being surrounded by people who wanted to make sure I wouldn't go through that pain and loss again,” she added about her late son Jack.</p> <p dir="ltr">Chrissy then proceeded to explain that she and John mutually agreed to give IVF another go, in hopes of making her dream of having four kids come true.</p> <p dir="ltr">“In 2021, we reached out to a surrogacy agency, with our first correspondence inquiring about perhaps having 2 tandem surrogates, to each bring us a healthy baby boy or girl.”</p> <p dir="ltr">“And so we restarted the IVF process, the same process that gave us our beautiful Luna and Miles. We made new embryos. We did my transfer, and were so happy to learn it worked - we were pregnant with our little girl, Esti.”</p> <p dir="ltr">She added that their IVF success coincided with the time they met Wren’s surrogate mum and shared the appreciation she had for Alexandra.</p> <p dir="ltr">“The first embryo we tried with Alex didn't survive, and I will never forget how hard she fought to get ready for a second transfer. How much she gave up of her own body - surgeries to get scar tissue cleared, the mental toll it takes to go through all of that for yourself, much less for other people,” she wrote.</p> <p dir="ltr">And overtime, their patience paid off: “As we crept toward the safe zone of my own pregnancy, we were overjoyed to learn Alexandra had become pregnant with a little boy. Our little boy.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/CuCsL8bJ0pd/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/p/CuCsL8bJ0pd/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by chrissy teigen (@chrissyteigen)</a></p> </div> </blockquote> <p dir="ltr">Chrissy shared how overjoyed she was pregnant with her “best friend” and how grateful she was.</p> <p dir="ltr">“We want to say thank you for this incredible gift you have given us, Alexandra.</p> <p dir="ltr">“And we are so happy to tell the world he is here, with a name forever connected to you, Wren Alexander Stephens. Our hearts, and our home, are officially full. And to our Jack, we know both their angel kisses are from you,” she ended the post.</p> <p dir="ltr">The happy news comes almost two years after the celebrity couple lost their son Jack 20 weeks into Chrissy’s pregnancy.</p> <p><em>Images: Instagram</em></p>

Family & Pets

Five easy ways to use less water at home – and not just in a drought

<p><a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, <em><a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a></em></p> <p>With so much of the world suffering from drought, you might think your ability to help is minimal. But when you consider the average person in the UK uses around <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">142 litres of water a day</a>, it’s easy to see how small changes to your routine can add up.</p> <p>More than half of the water that is extracted from rivers, streams and aquifers in the UK feeds the <a href="https://www.gov.uk/government/statistical-data-sets/env15-water-abstraction-tables">public water supply</a>. These abstractions, as they’re called, worsen drought conditions by draining local waterways, depriving vegetation, fish and other aquatic life of the water they need to survive droughts.</p> <p>Filling paddling pools to cool off, taking multiple showers each day to stay clean, watering the garden to revive wilting plants – all these extra activities contribute to a sharp increase in public water use on hot and dry days. And these impacts can endure for months, as freshwater systems need a lot of additional rainfall to recover from droughts.</p> <p>If each person can reduce their water use during a drought, it would significantly benefit the natural world in its recovery. Here are five things you can do, starting today.</p> <h2>1. Shower less</h2> <p>Most of the water you use is <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">in the shower</a>. For every minute you’re under the shower head (depending on how powerful it is), around 10 litres of water drains away. Since most people shower for <a href="https://www.mirashowers.co.uk/blog/trends/revealed-what-brits-are-really-getting-up-to-in-the-bathroom-1/#:%7E:text=Most%20Brits%20(62%25)%20bathe,latest%20UK%20shower%20habits%20survey.">an average of seven minutes</a>, half of your daily water use takes place first thing in the morning.</p> <p>Turning off the shower while shampooing your hair or applying shower gel can help conserve water, as can shortening the length of your shower overall. Be sure not to switch to a bath though – the average soak in the tub uses <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">around 80 litres of water</a>.</p> <h2>2. Use rainwater in the garden</h2> <figure class="align-right zoomable"><figcaption></figcaption></figure> <p>During a dry spell, the average gardener can use <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">hundreds of litres</a> of water to keep their plants hydrated. Some people will use a watering can (good), others might leave a sprinkler on all day (bad). Most use drinking water, which is a waste – plants are happy with rain water.</p> <p>Add a water butt that collects the rain which falls on your roof and use it for the garden. To find out how to install one, <a href="https://www.youtube.com/watch?v=2jk0lstsu5o">watch this</a>.</p> <h2>3. Use the short flush</h2> <p>Per flush, your toilet uses about <a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">5 litres of water</a>, and up to 10 litres in older models. If available, use the short flush to significantly reduce how much water is wasted.</p> <h2>4. Cut back on car washing</h2> <p>If you need to wash your car, do it the old-fashioned way with a bucket and soap rather than hosing it down. The water contained in a bucket (<a href="https://www.water.org.uk/news-item/vast-majority-of-brits-have-no-idea-how-much-water-they-use-each-day/">roughly 30 litres</a>) is significantly less than the average that flows through a hose (around <a href="https://www.southwestwater.co.uk/siteassets/documents/uwu-0618-web-version.pdf">15 litres per minute</a>). Better yet, avoid washing your car entirely during a drought.</p> <h2>5. Reuse water</h2> <p>If you’re washing vegetables, you could collect the water in a bowl in the sink and later give it to the plants in your house or outside. While you’re waiting for warm water to come out of a tap, use the cold to fill the kettle. Close the tap while you’re lathering your hands with soap or brushing your teeth. Though these are only small savings, they do make a difference over time.</p> <p>Inflatable pools are lovely for cooling down on the hottest days. A cleaning pump can filter the water and recycle it without you needing to use more water to keep the pool clean.</p> <h2>Save water, save money</h2> <p>All these tips can significantly reduce your water use and combat the effects of drought on the environment. They can also save you money.</p> <p>If you’re able to renovate your home, it’s worth installing a system for collecting rain water which, combined with a pump, can flush toilets. In Belgium, for example, it is common practice to have such a system installed (effectively, a large underground water butt) in newly built houses.</p> <p>Most people would struggle to afford these kinds of measures, and so drought-proofing homes and communities should be part of the effort to adapt countries to the extreme weather expected in a rapidly warming world.</p> <p><em>Image credit: Shutterstock</em></p> <hr /> <figure class="align-right "><figcaption></figcaption></figure> <p><strong><em>Don’t have time to read about climate change as much as you’d like?</em></strong><br /><em><a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeTop">Get a weekly roundup in your inbox instead.</a> Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. <a href="https://theconversation.com/uk/newsletters/imagine-57?utm_source=TCUK&utm_medium=linkback&utm_campaign=Imagine&utm_content=DontHaveTimeBottom">Join the 10,000+ readers who’ve subscribed so far.</a></em><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/187885/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <hr /> <p><a href="https://theconversation.com/profiles/niko-wanders-1234321">Niko Wanders</a>, Assistant Professor in Hydrological Extremes, <em><a href="https://theconversation.com/institutions/utrecht-university-1354">Utrecht University</a></em></p> <p>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-easy-ways-to-use-less-water-at-home-and-not-just-in-a-drought-187885">original article</a>.</p>

Home & Garden

Five ways to manage your doomscrolling habit

<p><em><a href="https://theconversation.com/profiles/christian-van-nieuwerburgh-1157439">Christian van Nieuwerburgh</a>, <a href="https://theconversation.com/institutions/rcsi-university-of-medicine-and-health-sciences-788">RCSI University of Medicine and Health Sciences</a></em></p> <p>Doomscrolling, according to <a href="https://www.merriam-webster.com/words-at-play/doomsurfing-doomscrolling-words-were-watching">Merriam-Webster</a>, is “the tendency to continue to surf or scroll through bad news, even though that news is saddening, disheartening, or depressing”. For many it’s a habit born of the pandemic – and one that is likely to stay.</p> <p>Some health experts recommend limiting access to social media to <a href="https://www.health.com/mind-body/what-is-doomscrolling">reduce the negative effects of doomscrolling</a>, and popular magazines <a href="https://www.wired.com/story/how-to-stop-doomscrolling-psychology-social-media-fomo/">highlight the risks</a> of social media addiction. According to the BBC, the barrage of negative coverage of doomscrolling has led to some people <a href="https://www.bbc.com/news/business-60067032">ditching their smartphones</a> altogether.</p> <p>Although research showing the negative effects of doomscrolling is convincing and the <a href="https://www.tandfonline.com/doi/full/10.1080/1461670X.2021.2021105">recommendations are clear</a>, few of us seem to be following this well-intentioned advice. There are a few reasons for this.</p> <p>First, blocking out news during times of crisis may not be such a good idea. Second, many of us <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4675534/">don’t respond well</a> to being told what we can and cannot do.</p> <p>Finally, being asked not to do something can make matters worse. It can push us into a negative frame of mind and make us <a href="https://www.psychologytoday.com/us/blog/words-can-change-your-brain/201208/why-word-is-so-dangerous-say-or-hear">less likely to change our behaviour</a>.</p> <p>Rather than quitting doomscrolling, what if we simply got better at managing it?</p> <p>It is helpful to start by acknowledging that seeking news and information during times of crisis is perfectly normal. In fact, this response is hard-wired in us humans.</p> <p>Staying alert to danger is part of our survival mechanism. Gathering information and being prepared to face threats have been key to our survival for millennia.</p> <p>Right now, there are many threats facing us: a war in Europe that could escalate to nuclear conflict, a pandemic that has already killed millions of people and predictions of a climate catastrophe, alongside many other natural disasters and human conflicts across the world.</p> <p>In this context, it is not surprising that we want to be alert to danger. Wanting to learn more about what is happening and equipping ourselves with the latest information is perfectly reasonable.</p> <p>Rather than avoiding the news altogether, let’s make sure that we are getting what we need from our interactions with the news. Here are five suggestions to achieve this.</p> <h2>1. Choose how much time you’re going to invest in consuming the news</h2> <p>Why not include all the ways you access the news? What amount of time each day seems reasonable to you? Once you have a time window, try sticking to it.</p> <h2>2. Be aware of confirmation bias when choosing what to consume</h2> <p>Remember, you are the consumer and you can choose what to learn about. However, we need to be aware of a tendency that psychologists call “<a href="https://www.simplypsychology.org/confirmation-bias.html">confirmation bias</a>”. This is when we favour information that supports our existing beliefs or viewpoints.</p> <p>In other words, we sometimes seek news that confirms what we already believe. This may have been one reason you clicked on this article. So just be aware of this tendency and be aware of what you’re not choosing to read.</p> <h2>3. Check the source</h2> <p>Any time you consume anything, it is helpful to know its source. Who has posted this information? Why are they sharing it with you? Are they trying to convince you of something? Are they trying to manipulate you to think or behave in a particular way?</p> <p>Knowing the answers to these questions will support you to stay in control of how you use the information that you have gathered.</p> <h2>4. Remember that things are not always black or white</h2> <p>We live in an increasingly polarised world. According to psychologists, “polarised thinking” is a <a href="https://exploringyourmind.com/polarized-thinking-cognitive-distortion/">cognitive distortion</a> (thinking error) that can occur when we’re under pressure. It is the tendency to see things as black or white, rather than recognising that we live in a world with many colours and shades of grey.</p> <p>Find ways to hold strong views while remaining curious about other opinions. Selecting and consuming articles that represent differing opinions may support this.</p> <h2>5. Be biased towards the positive</h2> <p>One reason that doomscrolling can be so detrimental is that many of us are drawn to negative information. Psychologists call this the “<a href="https://positivepsychology.com/3-steps-negativity-bias/">negativity bias</a>”. From an evolutionary perspective, it has been important for us to prioritise negative stimuli (threats such as predators) over positive stimuli (enjoying the warmth of a summer’s day).</p> <p>To counterbalance this tendency, we can adopt a bias towards the positive as we consume news. In practical terms, this means seeking positive news stories to balance out our experience of staying updated.</p> <p>Managed properly, keeping on top of the latest news can support you to feel better informed and able to respond in case it becomes necessary. If we’re going to doomscroll, let’s do it right.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/183265/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/christian-van-nieuwerburgh-1157439">Christian van Nieuwerburgh</a>, Professor of Coaching and Positive Psychology, <a href="https://theconversation.com/institutions/rcsi-university-of-medicine-and-health-sciences-788">RCSI University of Medicine and Health Sciences</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-ways-to-manage-your-doomscrolling-habit-183265">original article</a>.</em></p>

Technology

Get-rich-quick schemes, pyramids and ponzis: five signs you’re being scammed

<p><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Ze<em>ka</em></a><em>, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> and <a href="https://theconversation.com/profiles/abdul-latif-alhassan-1390159">Abdul Latif Alhassan</a>, <a href="https://theconversation.com/institutions/university-of-cape-town-691">University of Cape Town</a></em></p> <p>Consumers are under a lot of financial strain. The <a href="https://www.weforum.org/agenda/2022/09/cost-of-living-crisis-global-impact/">World Economic Forum</a> reports that the cost-of-living crisis is affecting people across the globe. With food and fuel prices rising, it’s becoming increasingly difficult to keep financially afloat. On top of that, salaries <a href="https://www.wsj.com/articles/workers-pay-globally-hasnt-kept-up-with-inflation-e6df92d">aren’t keeping up with inflation</a>, making it more difficult to save and build wealth.</p> <p>It’s during such times of economic difficulty and uncertainty that fraudsters lure unsuspecting consumers into “<a href="https://www.sabric.co.za/">get-rich-quick</a>” schemes, offering <a href="https://www.sabric.co.za/stay-safe/ponzi-pyramid-schemes/">an avenue to make easy money</a> by investing in a “lucrative” financial opportunity.</p> <p>Nothing beats the prospect of making easy money, and every now and again there seems to be a “get-rich-quick” scheme circulating on WhatsApp or on social media that seems legitimate. But it’s not.</p> <p>Our research interests centre on financial systems in emerging economies, and we advocate for financial inclusion and empowering marginalised communities through financial literacy and financial planning. We use our academic platform to share our expertise on finance, including common financial traps people should steer clear of.</p> <p>“Get-rich-quick” schemes are one such trap. They’re also sometimes called ponzi or pyramid schemes. The schemes are a form of <a href="https://www.lawinsider.com/dictionary/financial-fraud">financial fraud</a>. The people running them take money through deception: the misrepresentation of information and identity. They promise financial benefits that don’t exist.</p> <p>You should avoid them because, more often than not, they are bogus and fraudulent business ventures.</p> <p>There have been some massive fraud schemes over the past 30 years. In the early 1990s, <a href="https://www.independent.co.uk/news/world/africa/mmm-global-russian-ponzi-scheme-from-1990s-reborn-and-now-spreading-like-wildfire-in-africa-a7333366.html">MMM Global</a> - one of the world’s largest and most notorious ponzi schemes - defrauded up to 40 million people, who lost an estimated $10 billion. Ponzi schemes have since resurfaced in different forms in <a href="https://www.iol.co.za/weekend-argus/news/ponzi-scheme-investigated-as-some-victims-lost-as-much-as-r200-000-c3c3633c-2abb-4dd4-b668-a5ea608deb41">South Africa</a>, <a href="https://guardian.ng/business-services/nigerians-lose-over-n911b-to-ponzi-schemes-related-fraud-in-23-years/">Nigeria</a>, <a href="https://www.voazimbabwe.com/a/zimbabwe-money-pyramids-ponzi-schemes/6305100.html">Zimbabwe</a>, <a href="https://allafrica.com/stories/202105170964.html">Kenya</a>, <a href="https://doi.org/10.1108/JFC-09-2020-0177">Ghana</a> and several other African countries.</p> <p>There are five tell-tale signs of a “get-rich-quick” scheme. Watch out for them.</p> <h2>The five tell-tale signs</h2> <p><strong>Firstly</strong>, they offer exaggerated and above-market returns within a short period of time, with the promise of little to no risk.</p> <p>There are two golden rules when it comes to investing. The first is that it takes time to make money. Amassing a small fortune within a short space of time should raise questions about the scheme.</p> <p>The second rule is: the higher the risk, the higher the return. In other words, no investment is risk free or can guarantee significant returns. There is always some risk involved. An investment that promises substantial returns tends to be quite risky, which repels most people with a low appetite for risk.</p> <p><strong>Secondly</strong>, new members are constantly recruited to join the scheme.</p> <p>Typically, such schemes are sustained by relying on the investments of new members to pay existing members. Once the number of existing members exceeds new members, the scheme goes “belly-up”. At best you lose out on the returns you were promised. At worst you lose all the money you’ve invested.</p> <p>When the scheme collapses, it is almost impossible to recover the money you’ve lost because you’ve technically given it to a stranger (remember, the definition of financial fraud encompasses the misrepresentation of identity).</p> <p><strong>Thirdly</strong>, there is urgency to join the scheme and no clarity on how the scheme works.</p> <p>This is a classic characteristic of a “get-rich-quick” scheme. There is usually no clear answer about the nature of the scheme, what it invests in, how it generates its returns or the credentials of the organisation.</p> <p>Legitimate investments are transparent and can provide investors with all the information they need to help them decide whether to invest. Unsurprisingly, a proper check of “get-rich-quick” schemes will unmask their fraudulent nature. This is why there’s always the urgency and coercion to make an immediate financial commitment under the guise of missing a once-in-a-lifetime opportunity to get rich.</p> <p><strong>Fourthly</strong>, the scheme is not registered with or regulated by any recognised authority.</p> <p>Regulatory authorities are important because they monitor the conduct of financial service providers and protect consumers by keeping their best interests in mind. The protection provided by financial regulators also instils confidence in financial systems.</p> <p>“Get-rich-quick” schemes are not registered and operate outside the framework of regulatory bodies. This makes investors more vulnerable to loss and makes it more difficult to seek legal recourse when the loss occurs.</p> <p>Legitimate investments in South Africa are offered by authorised financial service providers and regulated by the <a href="https://www.fsca.co.za/Pages/Default.aspx">Financial Sector Conduct Authority</a>. You can search for any authorised financial service provider on the authority’s <a href="https://www.fsca.co.za/Fais/Search_FSP.htm">website</a>.</p> <p><strong>Fifthly</strong>, they use the testimonies from existing members who’ve earned big bucks to promote the scheme.</p> <p>At the initial stages, the scheme tends to pay out to those who have invested early, and these members are encouraged to share the news of their wealth (which travels fast and far) to promote the scheme.</p> <p>But this is a tactic used to create the impression that you too can earn returns in the double digits. These schemes are both unsustainable and unethical as one person gets wealthy through someone else being deceived.</p> <h2>Too good to be true</h2> <p>It’s worth repeating that if it sounds too good to be true, then it probably is.</p> <p>Wealth comes from a sound investment strategy and decisions made over time. Any promise to “get rich quick” should be treated with the cynicism it deserves. It will ultimately reveal its fraudulent nature. Recognising the signs of “get-rich-quick” schemes can save you from unnecessary financial distress.</p> <p>It’s always a good idea to do your own investigation before committing your finances into any investment. You can find more information on the various types of scams through the <a href="https://www.sabric.co.za/">South African Banking Risk Information Centre</a>’s website and report them to the <a href="https://www.safps.org.za/Home/Contact">South African Fraud Prevention Service</a>.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/205798/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p> <p><em><a href="https://theconversation.com/profiles/bomikazi-zeka-680577">Bomikazi Zeka</a>, Assistant Professor in Finance and Financial Planning, <a href="https://theconversation.com/institutions/university-of-canberra-865">University of Canberra</a> and <a href="https://theconversation.com/profiles/abdul-latif-alhassan-1390159">Abdul Latif Alhassan</a>, Associate Professor in Development Finance & Insurance, <a href="https://theconversation.com/institutions/university-of-cape-town-691">University of Cape Town</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/get-rich-quick-schemes-pyramids-and-ponzis-five-signs-youre-being-scammed-205798">original article</a></em>.</p>

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Five tips to help you start new hobbies in retirement

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